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A Guide to BankMobile Vibe Services and Fees

It's important to understand how your account works. This guide lists the fees and key terms associated with your account. Some fees may vary by school program and account type. Please log in to see the fees associated with your specific account and learn about ways to manage your money responsibly.


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Effective June 16, 2016
Account
Usage

Use Allpoint® Network and Customers Bank ATMs to avoid ATM fees.

Fee Name Fee Explanation
Minimum deposit to open account $0 There is no minimum opening deposit for this account.
Monthly service fee $0 for students OR with direct deposit of $100 or more per statement cycle

Otherwise, $3.951
There is no monthly service fee if you are a student or have a direct deposit of $100 or more posted to your account during that statement cycle. Otherwise you will be charged a fee of $3.95 for each statement cycle.

Students are defined as those who have received a financial aid refund deposit to their checking account in the past 6 months or self-identified as a student on their program website. Students can also be identified by a BankMobile client school as a student or as an employee.

A financial aid refund does not qualify as a direct deposit.

To determine your statement cycle, please review your checking account statement.
Allpoint Network or Customers Bank ATM fee $0 There is no fee for using an Allpoint Network or Customers Bank ATM.

Find an Allpoint Network or Customers Bank ATM.
ATM cash withdrawal fee $2.50 at a non-Allpoint Network ATM or non-Customers Bank ATM.

(Plus any fees the ATM owner may charge)
You withdrew cash at a non-Allpoint Network ATM or non-Customers Bank ATM.

Make sure you use FREE Allpoint Network or Customers Bank ATMs.
 
Overdrafts

BankMobile does not provide overdraft protection services.

Insufficient funds fee for returned or paid item $0 per item No insufficient funds fees will be charged for any transaction.

BankMobile will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.
Unavailable funds fee for returned or paid item $0 per item No unavailable funds fees will be charged for any transaction.

BankMobile will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.
 
Other
Fees
Outgoing wire transfer (domestic) fee $25.00 The fee will be charged for each transfer requested by you that is debited from your account and delivered to another U.S.-based bank account via wire.
Green Dot®
Reload @ the Register™ fee
$4.95 or less Ask the cashier to add cash directly to your card at participating retailers. A fee of $4.95 or less is charged by Green Dot per deposit. This fee is paid at the register. You can add any amount from $20 to $500 per day as long as card limits are not exceeded.
Expedited Online Bill Pay fee $4.95 Make a same business day electronic payment to select recipients set up to receive electronic payments. Your payment must be scheduled before the recipient's cutoff time on any business day and it will be electronically delivered that day.

Use standard Online Bill Pay at no cost.
Additional Information
Processing
Policies
Posting order (the order in which deposits and withdrawals are processed) - summary Typically, we post credits first and will pay all other items by type in the date and time order of the transaction received unless a) it is a check or a converted check that contains a serial number or b) a date and time stamp is not present. Items with serial numbers will be paid in serial number order and items without date and time stamps will be paid in the order they are received.
 
Funds Availability Schedule

When funds deposited into your account are available. For more information please refer to the Funds Availability Policy contained in the Account Terms and Conditions. Paper checks mailed with a deposit slip to BankMobile (P.O. Box 9830, New Haven, CT 06536) will be made available the next business day after the check is received. For checks deposited via EasyDepositSM Mobile log in to access your Funds Availability Example.

Direct deposit Same business day
Green Dot® Reload @ the Register™ Same business day
Wire transfer Same business day
U.S. Treasury checks Next business day
State or local government checks Next business day
Cashier, certified, and teller's checks Next business day
Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders Next business day
Other paper checks Second business day
Other money orders (e.g. MoneyGram or Western Union) Second business day
EasyDepositSM Mobile Log in to access your Funds Availability Example
Transfer Money Log in to access your Funds Availability Example
  • In certain circumstances, we may delay the availability of all or a portion of the funds deposited to your account beyond the time frames listed above.
  • Please refer to the Funds Availability Policy for further information about delaying the availability of funds, or log in to your account and access the Funds Availability Example from your online statement.
 
Dispute Resolution Summary of agreement Your account is governed by the Account Terms and Conditions and Account Related Disclosures.
Please refer to this Agreement for complete account details.

1 The monthly service fee will only reduce an account to a zero balance, which may result in customers being charged less than $3.95 per statement cycle. The monthly service fee may be applied to the customer's account within 5 business days after the close of their monthly statement cycle.